First, it’s important to understand the differences between Service Animals & Emotional Support, Therapy, Comfort or Companion Animals commonly called Emotional Support Animals or ESA’s. Service Animals The American with Disabilities Act defines a service animal as a dog that…
Serving as a director or officer comes with big responsibilities—and sometimes, big risks. Whether you’re running a business, sitting on a nonprofit board, or helping guide an organization’s future, decisions made at the leadership level can open the door to…
County Sheriffs have the authority to temporarily close municipal, county, and state roads when conditions become dangerously hazardous due to snow, ice, low visibility, or drifting snow. Below is a breif explanation of each level and what it means. Level…
Please join me in congratulating Taylor Henry from our Mount Vernon office for successfully passing her Property & Casualty (P&C) insurance license exam! This achievement represents a significant amount of hard work and dedication to her professional growth. With this…
Mark Dumbaugh Retires After 47 Years of Service After 47 years of dedicated service, Mark Dumbaugh will be retiring from Dumbaugh Insurance on December 31, 2025. Mark’s career has been defined by integrity, commitment, and genuine care for the clients…
As 2025 comes to a close, we remain grateful for our clients. We are lucky enough to work with a great people who trust us to help protect their lives. The last few years in the insurance marketplace have brought…
Insurance language can sound confusing, but it doesn’t have to be. At its heart, it’s just about making sure you can replace the things you need for your business, whether they’re stuck in the office or always on the go.…
Why Coinsurance matters: 1. It Determines the Minimum Required Coverage The coinsurance clause specifies a percentage, 80%, 90%, or 100% of your property’s total replacement value that you must insure. 2. It Prevents Underinsurance and Ensures Fair Premiums Most property…
Celebrating a Legacy: David Dumbaugh Retires After 63 Years of Service After an extraordinary 63 years serving our community, we are honored to celebrate the retirement of David Dumbaugh. David graduated from Fredericktown High School in 1958 and went on…
We’re excited to share that Ali Krempel, our Junior Account Manager, has officially earned her Property & Casualty Insurance License! Ali worked hard to complete the required coursework and pass the state licensing exam – a big accomplishment that shows…